Natural hazards · Hornby

Hornby, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hornby comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1996. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Hornby?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hornby to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding77%Tornadoes7%Cold waves6%Everything else11%

By hazard

What Hornby faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

77% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Below average · higher than 34% of U.S. places

Cold waves

6% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Hornby flood?

Every paid claim on a federal flood insurance policy in Hornby, from FEMA’s records.

3paid claims since 1996

$12Kpaid to owners

0homes flooded more than once

19962026

of all homes
are insured

No community discount. Hornby isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Steuben County.

Disasters that hit Hornby

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Hornby itself: aid to households, or repair grants to the Town of Hornby.

Brought FEMA money into HornbyDeclared for Steuben County only

2003

Severe Storms, Flooding, and Tornadoes

$200K to the Town of Hornby for repairs

Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Hornby

Hornby and the towns around it

Very lowLowModerateHighVery high

Erwinmostly inland floodingHigh

Orangemostly inland floodingModerate

Hornbymostly inland floodingModerate

Catlinmostly inland floodingModerate

Corningmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Hornby covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hornby’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hornby. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Hornby total about $362K a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.